>> you have often used the expression and bill gross used the expression that the u.s. interest rates are so low because they are the cleanest dirty shirt. if you're on a trip and you have to stay an extra day, didn't bring enough shirts, you pick the cleanest one to wear again and that happens to be the u.s. shirt at the moment. one to wear again. will we be the cleanest dirty shirt if we wait until december 31st to deal with the fiscal cliff and wait until whatever date in early 2013 that the next debt ceiling limit gets -- you know, we get hit? would there be some advantage to keeping our shirt clean if we acted on this before the elections or earlier than the end of the year? >> there's a huge advantage of keeping our shirt clean. let's not forget it's the well-being of people. the unemployment numbers are scary. the long term unemployment numbers are really worrisome. so suabsolutely. in the short term, we benefit from the fact that we are relatively good when compared to europe. but, remember, you cannot be a good house in a bad neighborhood. so there is a limit t